Uninsured/Underinsured Drivers Are A Real Problem

Driving without insurance in New Jersey does not simply result in a traffic ticket. There are criminal penalties for this offense which subjects other motorists to the possibility of being left without compensation in the event of an accident involving the uninsured driver.

Driving with less than adequate insurance may not be a criminal offense, but it leaves a driver vulnerable to two undesirable scenarios:

  • Being held liable for more damages than what is included in insurance coverage
  • Being injured and left with large, unpaid medical bills

Either scenario is a risk that a driver imposes on every other driver on the road on by being underinsured. Umbrella policies which provide much greater protection are a good way to prevent either type of disaster.

On the other hand, when someone is involved in an accident with an at-fault driver who is uninsured or underinsured, then one's own "uninsured/underinsured motorist" provision of auto insurance may apply.

What You Should Bring

If you have been injured in an automobile accident in New Jersey — whether you were an innocent motorist, a pedestrian, a bicyclist or a motorcyclist, we will ask you to bring a copy of the declaration page of your auto insurance policy to the initial consultation if possible. This will help determine at what threshold of damages you are entitled to sue through uninsured/underinsured motorist provisions of an auto accident policy.

Choose Your Lawyer Carefully

Whether you choose to have GOLDSTEIN, BALLEN, O'ROURKE & WILDSTEIN or another law firm represent you after a car accident involving an uninsured or underinsured motorist, we urge you to select your lawyer carefully. Look for an attorney who is well versed in the nuances and frequent changes that occur in this area of personal injury law.

We stay up to date with the law in these complex areas of personal injury law, with the goal of being ready to represent each new client as efficiently and effectively as we can, maximizing compensation for the injured and the bereaved.

Learn More About Uninsured Motorist Cases

Contact the attorneys at GOLDSTEIN, BALLEN, O'ROURKE & WILDSTEIN, headquartered in Passaic, to ask about nuances of personal injury law that may affect your case, such as PIP arbitration, pre-certification for payment of medical bills and uninsured benefits.

Se habla español. We are pleased to offer bilingual services throughout your case. In fact, the majority of our staff is bilingual.